S&N Debt Solutions gets zero stars from me. My experience as a client with S&N Debt Solutions is at least five years old and I've waited this long to provide a proper review. It should be noted that, even with the credit debt on my record, when S&N Debt Solutions sought me as a client (yes, they sought me) my credit score was excellent (upward of 720). I was assured that I would have the advantage of settling long standing high balances settled for less and that I could expect my credit score to recover before long in the following year(s). I'm convinced my case was an example of the incompetence of the S&N DS 'business plan'. The "financial service agent" managing my case changed several times, each time without my being notified. I suspect it was because each agent hit a wall with one of my creditor's, in particular (Discover). It turns out that the program puts you, and you ALONE, in delinquency with your creditor(s). Several months in, I was subpoenaed to appear in court because that one non-negotiable creditor turned my account over to an aggressive collections attorney. I then called S&N Debt Solutions to advise me on this situation; they said they had nothing to offer me in terms of legal advice!. In the end, three of the four accounts they negotiated on my behalf was settled for less than owed. However, all these years later, I still make payments to the debt collector for the account they failed me on. My credit score has yet to recover anywhere near where it had been before. In short, S&N Debt Solutions suck a bag of male chickens. read more
